EN
RBC Chequing Account Offer
Open an eligible
RBC chequing account
and get $450legal bug 1
Offer Ends February 10, 2025. Conditions apply.
View Offer DetailsRBC Chequing Account Offer
Open an eligible RBC chequing account and get $450legal bug 1
Offer Ends February 10, 2025. Conditions apply.
View Offer Details
SPECIAL OFFER FOR FULL TIME STUDENTS
Get $100legal disclaimer 1 when you open an RBC Advantage Banking account for students, and we’ll donate another $100 to an eligible charity of your choice
Conditions apply. Offer ends January 31, 2025.
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View All Savings AccountsRBC Bank Accounts Come with These Extra Benefits
Right Account Guarantee
If you're not 100% satisfied within the first 4 months, we'll refund up to 3 months of monthly fees.legal disclaimer 10 That's our Right Account Guarantee.
No Minimum Balance Needed
Pay as low as $0/month when you use your account and have other RBC products.legal disclaimer 9
Security Guarantee
Trust your money is safe. Your account is CDIC-insured for up to $100,000 and protected against unauthorized transactions with our Security Guarantee.legal disclaimer 11
Right Account Guarantee
If you're not 100% satisfied within the first 4 months, we'll refund up to 3 months of monthly fees.legal disclaimer 9 That's our Right Account Guarantee.
No Minimum Balance Needed
You don't need to carry a balance to enjoy the benefits that come with your RBC bank account.
Security Guarantee
Trust your money is safe. Your account is CDIC-insured for up to $100,000 and protected against unauthorized transactions with our Security Guarantee.legal disclaimer 10
Right Account Guarantee
If you're not 100% satisfied within the first 4 months, we'll refund up to 3 months of monthly fees.legal disclaimer 8 That's our Right Account Guarantee.
No Minimum Balance Needed
Pay as low as $0/month when you use your account and have other RBC products.legal disclaimer 6
Security Guarantee
Trust your money is safe. Your account is CDIC-insured for up to $100,000 and protected against unauthorized transactions with our Security Guarantee.legal disclaimer 9
Right Account Guarantee
If you're not 100% satisfied within the first 4 months, we'll refund up to 3 months of monthly fees.legal disclaimer 11 That's our Right Account Guarantee.
No Minimum Balance Needed
Pay as low as $0/month when you use your account and have other RBC products.legal disclaimer 10
Security Guarantee
Trust your money is safe. Your account is CDIC-insured for up to $100,000 and protected against unauthorized transactions with our Security Guarantee.legal disclaimer 12
Unlock More From Your Everyday Banking
With RBC Vantage, you can unlock rewards, savings, insights and more with any eligible bank account
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Only at RBC.
Avion Points
Now you can get rewarded for the things you do every day. Earn Avion points on your online and in-store debit purchases.legal disclaimer 13
Card Lock
Easily lock a misplaced debit or credit card in the RBC Mobile legal disclaimer 17 legal disclaimer 12 legal disclaimer 14 app. Unlock it just as fast.
Split with Friends
A fast and simple way to manage shared expenses with your social circle.legal disclaimer 15
FREE Interaclegal disclaimer ‡
e-Transfer transactionslegal disclaimer 3, legal disclaimer 7
Send money through Online Banking or the RBC Mobile app, quickly and securely.
No RBC Fee to use other
banks’ ATMs in Canadalegal disclaimer 11
Need some cash quick and you're not near an RBC ATM? Students pay no RBC fee to use another bank’s ATM in Canada.
Get the app
that gets you
RBC Mobile Student Editionlegal disclaimer 12 gives you access to the features that students use the most.
RBC Offers
Offers from the brands you love
Load available offers to your eligible RBC debit card and get rewarded with personalized offers from popular brands.legal disclaimer 13
Vantage Snapshot
Keep track of the benefits you get with an eligible RBC bank account using the RBC Mobile app.legal disclaimer 12
No RBC Fee to use other
banks’ ATMs in Canadalegal disclaimer 12
Need some cash quick and you're not near an RBC ATM? Students pay no RBC fee to use another bank’s ATM in Canada.
Avion Points
Now you can get rewarded for the things you do every day. Earn Avion points on your online and in-store debit purchases.legal disclaimer 13
FREE Interaclegal disclaimer ‡
e-Transfer transactionslegal disclaimer 2, legal disclaimer 7
Send money through Online Banking or the RBC Mobile app, quickly and securely.
FREE Interaclegal disclaimer ‡
e-Transfer transactionslegal disclaimer 3
Send money through Online Banking or the RBC Mobile app, quickly and securely.
No RBC Fee to use other
banks’ ATMs in Canadalegal disclaimer 2
Need some cash quick and you're not near an RBC ATM? Newcomers pay no RBC fee to use another bank’s ATM in Canada.
Avion Points
Now you can get rewarded for the things you do every day. Earn Avion points on your online and in-store debit purchases.legal disclaimer 11
Avion Points
Now you can get rewarded for the things you do every day. Earn Avion points on your online and in-store debit purchases.legal disclaimer 14
Card Lock
Easily lock a misplaced debit or credit card in the RBC Mobile legal disclaimer 17 legal disclaimer 12 legal disclaimer 14 app. Unlock it just as fast.
Split with Friends
A fast and simple way to manage shared expenses with your social circle.legal disclaimer 8
Unlock More From Your Everyday Banking
With RBC Vantage, you can unlock rewards, savings, insights and more with any eligible bank account
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.
Only at RBC.
Avion Points
Now you can get rewarded for the things you do every day. Earn Avion points on your online and in-store debit purchases.legal disclaimer 13
Card Lock
Easily lock a misplaced debit or credit card in the RBC Mobile legal disclaimer 17 legal disclaimer 12 legal disclaimer 14 app. Unlock it just as fast.
Split with Friends
A fast and simple way to manage shared expenses with your social circle.legal disclaimer 15
FREE Interaclegal disclaimer ‡
e-Transfer transactionslegal disclaimer 3, legal disclaimer 7
Send money through Online Banking or the RBC Mobile app, quickly and securely.
No RBC Fee to use other banks’ ATMs in Canadalegal disclaimer 11
Need some cash quick and you're not near an RBC ATM? Students pay no RBC fee to use another bank’s ATM in Canada.
Get the app that gets you
RBC Mobile Student Editionlegal disclaimer 12 gives you access to the features that students use the most.
RBC Offers
Offerslegal disclaimer 13 from the brands you love
Load available offers to your eligible RBC debit card and get rewarded with personalized offers from popular brands.
Vantage Snapshot
Keep track of the benefits you get with an eligible RBC bank account using the RBC Mobile app.legal disclaimer 12
No RBC Fee to use other banks’ ATMs in Canadalegal disclaimer 12
Need some cash quick and you're not near an RBC ATM? Students pay no RBC fee to use another bank’s ATM in Canada.
Avion Points
Now you can get rewarded for the things you do every day. Earn Avion points on your online and in-store debit purchases.legal disclaimer 13
FREE Interaclegal disclaimer ‡
e-Transfer transactionslegal disclaimer 2, legal disclaimer 7
Send money through Online Banking or the RBC Mobile app, quickly and securely.
FREE Interaclegal disclaimer ‡
e-Transfer transactionslegal disclaimer 3
Send money through Online Banking or the RBC Mobile app, quickly and securely.
No RBC Fee to use other banks’ ATMs in Canadalegal disclaimer 2
Need some cash quick and you're not near an RBC ATM? Newcomers pay no RBC fee to use another bank’s ATM in Canada.
Avion Points
Now you can get rewarded for the things you do every day. Earn Avion points on your online and in-store debit purchases.legal disclaimer 11
Avion Points
Now you can get rewarded for the things you do every day. Earn Avion points on your online and in-store debit purchases.legal disclaimer 14
Card Lock
Easily lock a misplaced debit or credit card in the RBC Mobile legal disclaimer 17 legal disclaimer 12 legal disclaimer 14 app. Unlock it just as fast.
Split with Friends
A fast and simple way to manage shared expenses with your social circle.legal disclaimer 8
Get more from your everyday banking
Get more from your everyday banking
Compare Chequing Account Features
See our range of accounts and compare the features that are important to you.
Compare Chequing Account Features
See our range of accounts and compare the features that are important to you.
Top Bank Account Questions
Top Bank Account Questions
There are three ways you can open a personal bank account at RBC:
- Choose your account and then apply online or in the RBC Mobile legal disclaimer 17 legal disclaimer 12 legal disclaimer 14 app
- visit a branchOpens in new window
- Call 1 800 769-25611 800 769-2561 (lines are open 24/7)
At RBC, we offer two types of personal bank accounts. Our chequing accounts are useful for your everyday banking—like paying bills and making purchases. Our savings accounts are ideal for money you don’t need to access every day. We also offer a range of business accounts.
Yes, you can have more than one bank account at RBC—and you can also open an RBC bank account if you have an account at another financial institution. For example, many people complement the chequing account they use for their everyday banking needs with a savings account. Explore all bank accounts to see what’s right for you.
Yes, new and existing RBC clients can open bank accounts in the RBC Mobile legal disclaimer 17 legal disclaimer 12 legal disclaimer 14 app within 5-10 minutes. If you are new to RBC, you’ll need:
- To be at least 13 years of age (14 in Quebec)
- A valid Canadian driver’s licence or passport (Canadian or foreign)
- To be living in Canada
If you would like to switch from one RBC bank account to a different RBC bank account that better fits your needs, visit a branchOpens in new window to talk to an advisor or call us at 1 800 769-25611 800 769-2561 (lines are open 24/7). Explore chequing accounts or savings accounts now.
RBC Vantage is the way we describe all of the powerful benefits you can get just by having an eligible RBC bank account. There is no additional cost to enjoy these benefits—and you don’t need a minimum balance.
Here are just a few ways you can take advantage of these benefits:
- Earn Avion points with an eligible bank account by enrolling your account in the Value Program and making debit purchases in-store or online using your enrolled account. legal disclaimer 13 legal disclaimer 15 legal disclaimer 12 legal disclaimer 14
- Save on monthly fees when you enrol your account in the Value Program, have 2 or more additional eligible RBC product categories, and complete at least 2 out of 3 regular account activities (a pre-authorized payment, direct deposit or bill payment) with your enrolled account each month. legal disclaimer 9 legal disclaimer 16 legal disclaimer 15 legal disclaimer 7 legal disclaimer 10
- Save 3¢/L on gas at Petro-Canada with every fill-up using your linked RBC card. legal disclaimer 14 legal disclaimer 17 legal disclaimer 16 legal disclaimer 15
- Load available offers to your eligible RBC debit card and start getting rewarded with offers from popular brands. legal disclaimer 16 legal disclaimer 13 legal disclaimer 17
Both programs offer a monthly fee rebate for having an eligible RBC bank account and other eligible RBC products. However, the Value Program also gives you the ability to earn Avion points legal disclaimer 13 legal disclaimer 15 legal disclaimer 11 legal disclaimer 14 when you use your enrolled account to make in-store and online debit purchases. The Value Program also offers more ways to earn a monthly fee rebate. legal disclaimer 9 legal disclaimer 16 legal disclaimer 15 legal disclaimer 6 legal disclaimer 10
If you currently have the MultiProduct Rebate legal disclaimer 19 legal disclaimer 18 legal disclaimer 17 on an account, but you do not complete at least 2 out of 3 regular account activities (a pre-authorized payment, direct deposit or bill payment) each month, the Value Program may not be the right fit for you.
For help deciding between the MultiProduct Rebate and the Value Program, please book an appointment with an RBC advisor. You can also call us at 1 800 769-25111 800 769-2511 or visit a branchOpens in new window.
Note: MultiProduct Rebate is only available to bank accounts opened prior to the date on which the Value Program became available to the Canadian public.
A bank account is a type of account held at a financial institution. Bank accounts allow you to safely deposit money, make various types of withdrawals and more. Two popular bank accounts are chequing accounts and savings accounts. Chequing accounts are ideal for everyday banking, such as receiving your pay cheque or direct deposit, paying bills and making purchases. Savings accounts are ideal for safely holding excess cash and allow you to earn interest on your money.
It depends on your needs. However, the RBC Advantage Banking for students account is most popular for students age 13+. If you’re a full-time student20, you’ll get unlimited debits in Canada and more perks for no monthly fee.
To open an RBC bank account, you’ll need:
-
Proof of ID—for example, a driver’s licence or passport
Note: If you apply to open an account online, you may need to visit a branchOpens in new window to verify your identity. You may be able to open select accounts using your passport or driver’s licence in the RBC Mobile legal disclaimer 17 legal disclaimer 12 legal disclaimer 14 app. - To provide details including your name, address, email, date of birth, employment (or student status) and residency for tax purposes
There is no minimum balance required to open an RBC bank account.
In most cases, you can open an RBC bank account online or in RBC Mobile legal disclaimer 17 legal disclaimer 12 legal disclaimer 14 app in approximately 10 minutes. You can also visit a branchOpens in new window to open your account.
Yes, you can apply to open most RBC bank accounts online or in the RBC Mobile legal disclaimer 17 legal disclaimer 12 legal disclaimer 14 app if you meet these requirements:
- You are 18 years of age or the age of majority in your province. (Full-time students age 13+ (or 14+ in Quebec) with a valid passport can also apply to open an RBC Advantage Banking for students account through the RBC Mobile app.)
- You are opening a sole account in your own name. If you’re opening an account for someone else, you’ll need to visit a branchOpens in new window.
- You are living in Canada.
If you do not meet these requirements, please call 1 800 769-25611 800 769-2561 to book an appointment or visit a branchOpens in new window near you.
To be considered a full-time student, you must attend a primary or secondary school or be enrolled in a program at the post-secondary level at a college, university or other educational institution (whether in Canada or not). If you are a post-secondary student, you must take at least 60% of the usual course load for the program in which you are enrolled in any particular semester. Proof of enrollment may be requested at our discretion.
Yes, non-residents living in Canada or planning to move to Canada can apply to open a Canadian bank account. Learn more about personal bank accounts for newcomers.
Avion Rewards gives you the opportunity to earn Avion points in many ways and the flexibility to redeem them for nearly endless options—travel the world, buy merchandise and gift cards from some of your favourite brands, pay down bills, invest in your future and much more.
There are several ways to earn points. For example, you can earn points when you make debit purchases with an eligible RBC bank account legal disclaimer 13 legal disclaimer 15 legal disclaimer 12 legal disclaimer 11 legal disclaimer 14 that is enrolled in the Value Program or when you make purchases with an Avion Rewards credit card.
Avion Rewards also gives you access to discounts, bonus points, special offers and savings you’ll only find at Canada’s largest bank-owned loyalty program.
Learn more about Avion Rewards.
The following RBC bank accounts are eligible to be enrolled in the Value Program:
- RBC Day to Day Banking
- RBC Advantage Banking (includes RBC Advantage Banking for students)
- RBC Signature No Limit Banking
- RBC VIP Banking
- RBC No Limit Banking (discontinued)
- RBC Student Banking (discontinued)
- RBC No Limit Banking for Students (discontinued)
- RBC Day to Day Savings
- RBC Enhanced Savings
- RBC High Interest eSavings
It depends on your needs. Our most popular savings account is the RBC High Interest eSavings account, which lets you earn high interest on every dollar5 with no minimum deposit required.
Yes, you can easily view your bank account balance online anytime via RBC Online Banking or the RBC Mobile17 app.
At RBC, there is no minimum balance required in your bank account.
Have more bank account questions? Search for an answer below.
legal disclaimer 1)
Offer available to Eligible Personal Clients without a Personal Banking Account with Royal Bank at the beginning of the Promotional Period or in the five year period before the start of the Promotional Period, who open their first new Eligible Personal Banking account by February 10, 2025 and who comply with all other terms and conditions. Bonus $450 with an RBC VIP Banking® account (monthly fee of $30) or RBC Signature No Limit Banking® account (monthly fee of $16.95) (each, an “Offer”). You must also complete at least two of the following Qualifying Criteria by April 18, 2025: (i) set up at least two pre-authorized payments from the Eligible Personal Banking Account; (ii) set up at least one automated and recurring payroll or pension direct deposit to the Eligible Personal Banking Account; and/or (iii) set up at least two bill payments to a service provider from the Eligible Personal Banking Account. Offer will be deposited into your Eligible Personal Banking Account between 6 and 10 weeks of completing all Qualifying Criteria. Offer may not be combined with any other Personal Banking Account offers. Royal Bank of Canada may withdraw or amend this Offer at any time without notice. For full details including defined terms visit rbc.com/offerterms450.
legal disclaimer 2)
As a sole or joint owner of an RBC Signature No Limit Banking (SNL) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (depending on the credit card you choose), every year, as long as your eligible card remains in good standing and you remain an SNL account owner.
Additional cardholders (co-applicants and authorized users) do not qualify for the annual fee rebate, even if they are also owners of an SNL account. Only one credit card annual fee rebate per SNL account is allowed, which means that if you own a joint SNL account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the SNL account
will be entitled to the credit card annual fee rebate. Other conditions and restrictions apply. Rebates that apply to eligible credit cards are: 1) $48 rebate (annual fee fully rebated) for: RBC ION+ Visa and WestJet RBC Mastercard card, or 2) $35 rebate (annual fee partially rebated) for: RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC
Rewards Visa Preferred, RBC U.S. Dollar Visa Gold, RBC British Airways Visa Infinite, RBC Cathay Pacific Visa Platinum, RBC Cash Back Preferred World Elite Mastercard and WestJet RBC World Elite Mastercard. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.
legal disclaimer 3)
There is a limit of 999 free Interac e-Transfer Transactions per Month per Account; for every Interac e-Transfer Transaction over the limit, you will be charged $1.
legal disclaimer 4)
The standard Monthly Fee for the RBC Signature No Limit Banking account is $16.95; however, you may be eligible to receive a partial rebate on your account's standard Monthly Fee if you meet the criteria applicable to rebates or discounts we offer, as described herein, and in the document entitled
Opens PDF in new windowPersonal Deposit Accounts Disclosures and Agreements.
legal disclaimer 5)
The interest rate is an annual interest rate. It is a simple interest calculation. Interest is calculated daily on the closing credit balance and paid monthly. Interest rate is subject to change at any time without notice.
legal disclaimer 6)
Fees may apply on the account from which the money has been transferred.
legal disclaimer 7)
Interac e-Transfer Transactions expire 30 days after they are sent and cannot be claimed by the recipient after this time. You have 15 days after the Interac e-Transfer Transaction is sent to cancel without charge. A $5 Interac e-Transfer Transaction Reclaim Fee is charged when a recipient does not accept it before it expires and the sender does not cancel the
transaction before the 15-day cancellation period.
legal disclaimer 8)
The Bonus Interest Rate on November 5, 2025 of 3.95% within the RBC New eSavings Client Bonus Interest Rate Offer (“Offer”) is available to residents of Canada who are of the age of majority in the province or territory in which they reside as of the date the Eligible eSavings Account is opened and who were not the Primary Owner of an RBC High Interest eSavings Account at any time before the beginning of the Qualifying Period (as defined below), and who open a new RBC High Interest eSavings Account (“Eligible eSavings Account”) as the Primary Owner between November 5, 2024 and 3:00 PM EST on December 30, 2024 (the “Qualifying Period”). (Note: For added clarity, you will not qualify for this Offer by switching from another account type to an Eligible eSavings Account.) The Bonus Interest Rate on November 5, 2024 was 3.95% and is only applicable to deposits made in the Eligible eSavings Account for 3 months (90 days) from the date the Eligible eSavings Account was opened (the “Promotional Period”) and up to a maximum of $1,000,000 of the Eligible eSavings Account’s total balance. Any balances over $1,000,000 will be paid the Regular Interest Rate. “Promotional Interest Rate” is a combination of the Bonus Interest Rate plus the Regular Interest Rate. For example, if on November 5, 2024, the Regular Interest Rate was 1.15% per annum and the Bonus Interest Rate was 3.95% per annum, the Promotional Interest Rate would be 5.10% per annum. The Regular Interest Rate is subject to change without notice, and the most current rate is posted on our Personal Accounts Interest Rates webpage, which may be viewed at https://www.rbcroyalbank.com/rates/persacct.html. At the end of the Promotional Period, all balances will earn interest at the Regular Interest Rate only. Regular Interest Rate and Bonus Interest Rate are annualized rates, and (subject to certain exceptions) are calculated daily and paid monthly. Any Eligible eSavings Account that, prior to the payment of interest at the Bonus Interest Rate, is closed or switched to another product type which is not an RBC High Interest eSavings Account will forfeit any such interest calculated during the month in which the Eligible eSavings Account is closed or switched. Offer and interest rates are subject to change without notice. Offer may be withdrawn at any time. Conditions apply. For other defined terms and complete terms and conditions that apply to this Offer, please visit https://www.rbcroyalbank.com/investments/psi/november2024-hisa/terms.html.
legal disclaimer 9)
By enrolling an eligible RBC personal bank account into the RBC Value Program, holding eligible additional RBC products (“Product Categories”, as more particularly described below), and completing certain activities from your enrolled account each month (as more particularly described below), you may be entitled to receive a partial or full rebate of your enrolled account’s standard Monthly Fee. Eligible Product Categories include RBC personal credit cards, personal investments, residential mortgages, and linked small business relationships. Multiple products in a single Product Category will be considered one Product Category. In addition to having eligible Product Categories, you must also perform any two (2) or more of the following specified account activities in the previous calendar month to or from your enrolled account: a monthly direct deposit, a monthly pre-authorized payment, or an eligible bill payment made at minimum once per month. An eligible bill payment means a bill payment completed through either RBC Online Banking, the RBC Mobile app, using an RBC ATM, or using Telephone Banking Services, and excludes any bill payment made: (i) in-person at an RBC Royal Bank branch with an RBC Advisor, (ii) to an RBC credit card account, or (iii) using an RBC Virtual Visa Debit® associated with your Enrolled Account. Conditions apply. For complete details, please see the Opens PDF in new window Value Program Terms & Conditions.
legal disclaimer 10)
Eligible accounts include: RBC VIP Banking, RBC Signature No Limit Banking, RBC Advantage Banking, RBC Day to Day Banking account. You must close the account and apply for the refund or switch to another account within 4 months of account opening or upgrade. Offer limited to one account opening or upgrade per customer per calendar year. Offer may be withdrawn at any time without
notice.
legal disclaimer 11)
Our guarantee to you: We will reimburse you for monetary losses to your Account(s) resulting directly from the following unauthorized transactions on your Account(s) using Digital Banking or Mobile Payments (collectively, Unauthorized Transactions):
- transactions that occur after you notify us that you believe that any of your Passwords may have become known by someone, or that you noticed unusual, suspicious or fraudulent activity on any of your Accounts;
- transactions where it can be shown that you have been a victim of fraud, theft or have been coerced by trickery, force or intimidation, so long as you report the incident to us immediately and cooperate and assist us fully in any investigation;
- transactions resulting from negligent conduct by us, our employees or Third-Party Service Providers;
- Interac Online Payment transactions resulting from negligent conduct by any Third Party participating in Interac Online Payment; and
- any failure, error, malfunction, or technical problem of our system or equipment or that of any Third-Party Service Provider or any Third Party participating in Interac Online Payment.
- you do not comply with any of your obligations under this Agreement or you do not comply with any instructions we may provide to you in connection with Digital Banking or Mobile Payments;
- you engage in any fraudulent, criminal or dishonest acts related to Digital Banking or Mobile Payments;
- you access Digital Banking or Mobile Payments via a Device that you know or reasonably should know contains software that has the ability to reveal or otherwise compromise any of your Passwords, Personal Verification Questions or an e-Transfer Question and Answer;
- you carry out the transaction, including if the transaction is a result of any mistake, error, omission, inaccuracy or other inadequacy of, or contained in any data or information that you give to us;
- you share any of your Passwords or Personal Verification Questions; or
- you consent to, contribute to or authorize a transaction in any way.
For full details regarding the protections and limitations of the RBC Digital Banking Security Guarantee, including your responsibilities in ensuring the safety and security of your transactions, please see your Electronic Access Agreement and your Opens PDF in new windowClient Card Agreement for personal banking clients, and the Opens PDF in new windowMaster Client Agreement for business clients. This guarantee is given by Royal Bank of Canada in connection with its Online and Mobile Banking services. Formerly known as the RBC Online Banking Security Guarantee.
legal disclaimer 12)
The following RBC bank accounts are eligible for the Value Program: RBC Day to Day Banking, RBC Advantage Banking (includes RBC Advantage Banking for students), RBC Signature No Limit Banking, RBC VIP Banking, RBC No Limit Banking (discontinued), RBC Student Banking (discontinued), RBC No Limit Banking for Students (discontinued), RBC Day to Day Savings, RBC Enhanced Savings and RBC
High Interest eSavings.
legal disclaimer 13)
When you enrol your eligible RBC personal bank account into the RBC Value Program, you will be eligible to earn Avion points within the Avion Rewards Program as an Eligible Personal Banking Client, and any such points earned will be deposited into the Avion Rewards account tied to your enrolled account. Purchases from your account refers to using your RBC Client Card to pay for items
at a merchant or service provider with the amount electronically debited directly from your enrolled account or using your RBC Virtual Visa Debit for purchases online. Avion points are governed by the Avion Rewards Terms and Conditions available on our website, or a copy may be provided to you by
contacting us. For complete details on the Value Program, please see the Opens PDF in new windowValue Program Terms & Conditions.
legal disclaimer 14)
To participate in this offer, you must have an RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC business clients will only be able to link up to two (2) business credit cards and one business debit card to a Petro-Points card. You must be enrolled in RBC Online Banking or the RBC Mobile app in order to link
your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. A linked RBC Card means an RBC Card linked to a Petro-Points Account. Your linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your linked RBC Card
at Petro-Canada locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your linked RBC Card. Each time you use your linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.
legal disclaimer 15)
You can send up to 25 requests at a time up to $10,000 each to anyone banking in Canada with Request Money in the RBC Mobile app. Limits for fulfilling Request Money transactions vary by financial institution and recipient. Contact your recipient to ensure your request can be fulfilled. Any unfulfilled money request will expire after 30 calendar days.
legal disclaimer 16)
The Offers program is available to clients with an RBC Royal Bank (i) debit card tied to a personal or business chequing account, and/or (ii) personal or business credit card, other than an RBC Commercial Visa or RBC US Dollar Visa card.
Eligibility criteria for an Offer: (a) is determined by RBC, (b) may vary depending on the offer, and (c) may be based on the client’s preferences and account status. Eligible clients will refer to the terms and conditions applicable to each specific Offer for more details.
legal disclaimer 17)
RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.
legal disclaimer 18)
The NOMI Find & Save Service will transfer funds from your designated source account to your NOMI Find & Save Account. The source account must be an eligible Royal Bank of Canada Canadian personal chequing account.
legal disclaimer 19)
If you have an eligible banking account and two or more qualifying, eligible RBC® products in the same geographic location (region), you may receive a partial or full rebate on your Monthly Fee. Conditions apply. For more information on the MultiProduct Rebate® visit any RBC Royal Bank branch, call 1 800 769-25111 800 769-2511 or view the full Disclosures and Agreements Booklet.
legal disclaimer 20)
Total of 90 days: For the purpose of this RBC New eSavings Client Bonus Interest Rate Offer and any related marketing, any reference to a period of 3 months means a period of 90 calendar days regardless of how many calendar days may fall within any given calendar 3-month period.
legal disclaimer® / ™
Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
legal disclaimer‡
All other trademarks are the property of their respective owner(s).
Legal Disclaimer1)
Offer available November 1, 2024 – January 31, 2025 (“Promotional Period”)
This offer is available to any Eligible Student Client without a Personal Banking Account with Royal Bank of Canada at the beginning of the Promotional Period or in the three-year period before the start of the Promotional Period, and who otherwise comply with the Terms of the offer. The Promotional Offer is $100 Bonus Amount deposited in your Eligible Personal Banking Account and a $100 Charitable Bonus donated by RBC to one of five RBC-approved charities as selected by you, if you have fulfilled all Qualifying Criteria and conditions of the Promotional Offer. To qualify for the Promotional Offer you must open your first new Eligible Personal Banking Account by 9:00 PM EST on January 31, 2025 and complete one of the following Qualifying Criteria by 9:00 PM EST on March 31, 2025 using your Eligible Personal Banking Account:
NOTE: Qualifying Debit Transactions are defined as Bill Payments or purchase transaction using any of the following: your RBC Client Card, an RBC Virtual Visa Debit card associated with your Eligible Personal Banking Account, Interac Flash, Apple Pay, Google Pay, Samsung Pay Transactions carried out at an RBC Royal Bank branch or through the RBC Royal Bank ATM network, and bank fee transactions, are not included as qualifying transactions.
NOTE: You must be at least 14 years of age to obtain an RBC Virtual Visa Debit card. As such, option iii. (above) is only available to individuals who meet this minimum age requirement; if you are below the age of 14 and participate in this Promotional Offer, you must select one of the other eligible transaction types described.
The $100 cash component of the Promotional Offer will be deposited into your Eligible Personal Banking Account within 2 to 8 weeks of completing the Qualifying Criteria, if applicable. Royal Bank of Canada may follow up with Eligible Student Clients to remind them to complete the Qualifying Criteria.
To claim the charitable bonus offer:
Beginning December 3, 2024, we will notify you by way of an email to the email address we have recorded in your client profile, when you have fulfilled the Qualifying Criteria and qualified for the Charitable Bonus portion of the Promotional Offer. This message will be sent at any time up to seven (7) business days after all Qualifying Criteria have been completed. The message will contain a link that will permit you to visit a webpage where you will be able to select a charitable cause of your choice from among the options presented thereon. After you have made your selection, RBC will donate the Charitable Bonus amount to an RBC-approved charity that supports the charitable cause you selected. In order to have your Charitable Bonus allocated accordingly, you must make your selection by April 30, 2025.
This offer may not be combined or used in conjunction with any other Personal Banking Account offers. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, even after acceptance by you. For full details including defined terms visit rbc.com/getgiveofferterms (opens in new window).
Choose from one of five RBC pre-approved charities. The eligible charities are: Canadian Mental Health Association (CMHA); Black Health Alliance; Tree Canada; Windmill Microlending; and Junior Achievement. RBC will donate $100 (up to a maximum aggregate of $500,000 CAD across all charities) to one of the eligible charities once you complete all of the offer criteria. Offer ends January 31, 2025 and you must complete the Qualifying Criteria by March 31, 2025. In order to have your Charitable Bonus allocated accordingly, you must make your selection by 9:00 PM Eastern Time on April 30, 2025.
For full details including defined terms visit rbc.com/getgiveofferterms (opens in new window).
This offer is available to any Eligible Student Client without a Personal Banking Account with Royal Bank of Canada at the beginning of the Promotional Period or in the three-year period before the start of the Promotional Period, and who otherwise comply with the Terms of the offer. The Promotional Offer is $100 Bonus Amount deposited in your Eligible Personal Banking Account and a $100 Charitable Bonus donated by RBC to one of five RBC-approved charities as selected by you, if you have fulfilled all Qualifying Criteria and conditions of the Promotional Offer. To qualify for the Promotional Offer you must open your first new Eligible Personal Banking Account by 9:00 PM EST on January 31, 2025 and complete one of the following Qualifying Criteria by 9:00 PM EST on March 31, 2025 using your Eligible Personal Banking Account:
i.
a minimum of three (3) debit transactions;
ii.
register your Eligible Personal Banking Account for Interac auto deposit and make one (1) e-Transfer using RBC Online Banking or the RBC Mobile app; or
iii.
enroll for a Virtual Visa Debit Card and make one (1) transaction
NOTE: You must be at least 14 years of age to obtain an RBC Virtual Visa Debit card. As such, option iii. (above) is only available to individuals who meet this minimum age requirement; if you are below the age of 14 and participate in this Promotional Offer, you must select one of the other eligible transaction types described.
The $100 cash component of the Promotional Offer will be deposited into your Eligible Personal Banking Account within 2 to 8 weeks of completing the Qualifying Criteria, if applicable. Royal Bank of Canada may follow up with Eligible Student Clients to remind them to complete the Qualifying Criteria.
To claim the charitable bonus offer:
Beginning December 3, 2024, we will notify you by way of an email to the email address we have recorded in your client profile, when you have fulfilled the Qualifying Criteria and qualified for the Charitable Bonus portion of the Promotional Offer. This message will be sent at any time up to seven (7) business days after all Qualifying Criteria have been completed. The message will contain a link that will permit you to visit a webpage where you will be able to select a charitable cause of your choice from among the options presented thereon. After you have made your selection, RBC will donate the Charitable Bonus amount to an RBC-approved charity that supports the charitable cause you selected. In order to have your Charitable Bonus allocated accordingly, you must make your selection by April 30, 2025.
This offer may not be combined or used in conjunction with any other Personal Banking Account offers. Royal Bank of Canada reserves the right to withdraw this offer at any time without notice, even after acceptance by you. For full details including defined terms visit rbc.com/getgiveofferterms (opens in new window).
Choose from one of five RBC pre-approved charities. The eligible charities are: Canadian Mental Health Association (CMHA); Black Health Alliance; Tree Canada; Windmill Microlending; and Junior Achievement. RBC will donate $100 (up to a maximum aggregate of $500,000 CAD across all charities) to one of the eligible charities once you complete all of the offer criteria. Offer ends January 31, 2025 and you must complete the Qualifying Criteria by March 31, 2025. In order to have your Charitable Bonus allocated accordingly, you must make your selection by 9:00 PM Eastern Time on April 30, 2025.
For full details including defined terms visit rbc.com/getgiveofferterms (opens in new window).
legal disclaimer 2)
Subject to credit approval. If you are a post-secondary student and an owner or co-owner of an RBC Advantage™ Banking Account for students (“Eligible Student Bank Account”) and the primary cardholder of one of the eligible RBC Royal Bank credit cards listed below (each, an “Eligible Credit Card”), the annual fee of your Eligible Credit Card may be fully rebated, every year:
For any other RBC Royal Bank credit card, regular annual fees apply as they are not eligible for a rebate. For the annual fee of your Eligible Credit Card to be fully rebated, every year, you must: i) complete the Student Information section of the credit card application in full, ii) remain a student, and iii) be an owner or co-owner of an Eligible Student Bank Account throughout your studies. The annual fee of your Eligible Credit Card will continue to be fully rebated: i) until you close your Eligible Student Bank Account, or ii) until the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account, whichever comes first. Thereafter, the annual fee will no longer be rebated. If, for some reason, the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account differs from the one you have indicated on your credit card application, the Expected Graduation Year you have provided at the opening of your Eligible Student Bank Account will prevail and be used for determining the expiry of this offer. Additional cardholders (co-applicant and authorized user(s)) do not qualify for the annual fee rebate even if they are also owners of an Eligible Student Bank Account. Only one credit card annual fee rebate per Eligible Student Bank Account is allowed. If you already have an Eligible Student Bank Account, the rebate will be applied at the time you open your Eligible Credit Card account. If you open your Eligible Student Bank Account after you have opened your Eligible Credit Card account, the rebate will be applied at your next annual renewal and won't be applied retroactively. Other conditions and restrictions may apply. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.
| Eligible Credit Cards | Annual Fee Rebate |
|---|---|
| RBC ION+ Visa | $4 a month ($48 annually) |
| WestJet RBC MasterCard | $39 |
| Signature RBC Rewards Visa | $39 |
| Visa Cash Back Card | $19 |
legal disclaimer 3)
There is a limit of 999 free Interac e-Transfer Transactions per Month per Account; for every Interac e-Transfer Transaction over the limit, you will be charged $1.
legal disclaimer 4)
To be considered a full-time student, you must attend a primary or secondary school OR be enrolled in a program at the post-secondary level at a college, university or other educational institution (whether in Canada or not). If you are a post-secondary student, you must take at least 60% of the usual course load for the program in which you are enrolled in any particular semester.
Proof of enrollment may be requested at our discretion.
legal disclaimer 5)
The interest rate is an annual interest rate. It is a simple interest calculation. Interest is calculated daily on the closing credit balance and paid monthly. Interest rate is subject to change at any time without notice.
legal disclaimer 6)
Fees may apply on the account from which the money has been transferred.
legal disclaimer 7)
Interac e-Transfer Transactions expire 30 days after they are sent and cannot be claimed by the recipient after this time. You have 15 days after the Interac e-Transfer Transaction is sent to cancel without charge. A $5 Interac e-Transfer Transaction Reclaim Fee is charged when a recipient does not accept it before it expires and the sender does not cancel the
transaction before the 15-day cancellation period.
legal disclaimer 8)
The Bonus Interest Rate on November 5, 2025 of 3.95% within the RBC New eSavings Client Bonus Interest Rate Offer (“Offer”) is available to residents of Canada who are of the age of majority in the province or territory in which they reside as of the date the Eligible eSavings Account is opened and who were not the Primary Owner of an RBC High Interest eSavings Account at any time before the beginning of the Qualifying Period (as defined below), and who open a new RBC High Interest eSavings Account (“Eligible eSavings Account”) as the Primary Owner between November 5, 2024 and 3:00 PM EST on December 30, 2024 (the “Qualifying Period”). (Note: For added clarity, you will not qualify for this Offer by switching from another account type to an Eligible eSavings Account.) The Bonus Interest Rate on November 5, 2024 was 3.95% and is only applicable to deposits made in the Eligible eSavings Account for 3 months (90 days) from the date the Eligible eSavings Account was opened (the “Promotional Period”) and up to a maximum of $1,000,000 of the Eligible eSavings Account’s total balance. Any balances over $1,000,000 will be paid the Regular Interest Rate. “Promotional Interest Rate” is a combination of the Bonus Interest Rate plus the Regular Interest Rate. For example, if on November 5, 2024, the Regular Interest Rate was 1.15% per annum and the Bonus Interest Rate was 3.95% per annum, the Promotional Interest Rate would be 5.10% per annum. The Regular Interest Rate is subject to change without notice, and the most current rate is posted on our Personal Accounts Interest Rates webpage, which may be viewed at https://www.rbcroyalbank.com/rates/persacct.html. At the end of the Promotional Period, all balances will earn interest at the Regular Interest Rate only. Regular Interest Rate and Bonus Interest Rate are annualized rates, and (subject to certain exceptions) are calculated daily and paid monthly. Any Eligible eSavings Account that, prior to the payment of interest at the Bonus Interest Rate, is closed or switched to another product type which is not an RBC High Interest eSavings Account will forfeit any such interest calculated during the month in which the Eligible eSavings Account is closed or switched. Offer and interest rates are subject to change without notice. Offer may be withdrawn at any time. Conditions apply. For other defined terms and complete terms and conditions that apply to this Offer, please visit https://www.rbcroyalbank.com/investments/psi/november2024-hisa/terms.html.
legal disclaimer 9)
Eligible accounts include: RBC VIP Banking, RBC Signature No Limit Banking, RBC Advantage Banking, RBC Day to Day Banking account. You must close the account and apply for the refund or switch to another account within 4 months of account opening or upgrade. Offer limited to one account opening or upgrade per customer per calendar year. Offer may be withdrawn at any time without notice.
legal disclaimer 10)
Our guarantee to you: We will reimburse you for monetary losses to your Account(s) resulting directly from the following unauthorized transactions on your Account(s) using Digital Banking or Mobile Payments (collectively, Unauthorized Transactions):
- transactions that occur after you notify us that you believe that any of your Passwords may have become known by someone, or that you noticed unusual, suspicious or fraudulent activity on any of your Accounts;
- transactions where it can be shown that you have been a victim of fraud, theft or have been coerced by trickery, force or intimidation, so long as you report the incident to us immediately and cooperate and assist us fully in any investigation;
- transactions resulting from negligent conduct by us, our employees or Third-Party Service Providers;
- Interac Online Payment transactions resulting from negligent conduct by any Third Party participating in Interac Online Payment; and
- any failure, error, malfunction, or technical problem of our system or equipment or that of any Third-Party Service Provider or any Third Party participating in Interac Online Payment.
- you do not comply with any of your obligations under this Agreement or you do not comply with any instructions we may provide to you in connection with Digital Banking or Mobile Payments;
- you engage in any fraudulent, criminal or dishonest acts related to Digital Banking or Mobile Payments;
- you access Digital Banking or Mobile Payments via a Device that you know or reasonably should know contains software that has the ability to reveal or otherwise compromise any of your Passwords, Personal Verification Questions or an e-Transfer Question and Answer;
- you carry out the transaction, including if the transaction is a result of any mistake, error, omission, inaccuracy or other inadequacy of, or contained in any data or information that you give to us;
- you share any of your Passwords or Personal Verification Questions; or
- you consent to, contribute to or authorize a transaction in any way.
For full details regarding the protections and limitations of the RBC Digital Banking Security Guarantee, including your responsibilities in ensuring the safety and security of your transactions, please see your Electronic Access Agreement and your Opens PDF in new windowClient Card Agreement for personal banking clients, and the Opens PDF in new windowMaster Client Agreement for business clients. This guarantee is given by Royal Bank of Canada in connection with its Online and Mobile Banking services. Formerly known as the RBC Online Banking Security Guarantee.
legal disclaimer 11)
An ATM operator surcharge (also called convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee. It is added directly to the amount of your cash withdrawal. All clients who use non-RBC ATMs may be charged a convenience fee regardless of the type of Account they hold.
When you use your Client Card to make a withdrawal in a currency other than Canadian dollars at an ATM outside Canada displaying the PLUS system symbol, we will convert the amounts withdrawn and any associated charges imposed by any third party for the use of the ATM to Canadian dollars when we deduct the funds from your Account. We will convert these amounts to Canadian dollars no later than the date we post the transaction to your Account at our exchange rate, which is 2.5% over a benchmark rate set by Visa International, a subsidiary of Visa Inc., and which Royal Bank of Canada pays on the date of conversion. This rate may be different from the rate in effect on the date your ATM withdrawal occurred or on the date of the transaction.
legal disclaimer 12)
RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.
Student Edition is intended for clients under the age of 22. RBC Online Banking is operated by Royal Bank of Canada.
legal disclaimer 13)
The Offers program is available to clients with an RBC Royal Bank (i) debit card tied to a personal or business chequing account, and/or (ii) personal or business credit card, other than an RBC Commercial Visa or RBC US Dollar Visa card.
Eligibility criteria for an Offer: (a) is determined by RBC, (b) may vary depending on the offer, and (c) may be based on the client’s preferences and account status. Eligible clients will refer to the terms and conditions applicable to each specific Offer for more details.
legal disclaimer 14)
Debit transactions made using your Virtual Visa Debit Number do not count against any monthly transaction limits applicable to your personal deposit account. Other account fees may apply. Please see the RBC Royal Bank Disclosures and Agreements related to Personal Deposit Accounts booklet or other applicable account agreement for further details. You must request a Virtual Visa Debit
card.
legal disclaimer 15)
When you enrol your eligible RBC personal bank account into the RBC Value Program, you will be eligible to earn Avion points within the Avion Rewards Program as an Eligible Personal Banking Client, and any such points earned will be deposited into the Avion Rewards account tied to your enrolled account. Purchases from your account refers to using your RBC Client Card to pay for items
at a merchant or service provider with the amount electronically debited directly from your enrolled account or using your RBC Virtual Visa Debit for purchases online. Avion points are governed by the Avion Rewards Terms and Conditions available on our website, or a copy may be provided to you by
contacting us. For complete details on the Value Program, please see the Opens PDF in new windowValue Program Terms & Conditions.
legal disclaimer 16)
By enrolling an eligible RBC personal bank account into the RBC Value Program, holding eligible additional RBC products (“Product Categories”, as more particularly described below), and completing certain activities from your enrolled account each month (as more particularly described below), you may be entitled to receive a partial or full rebate of your enrolled account’s standard
Monthly Fee. Eligible Product Categories include RBC personal credit cards, personal investments, residential mortgages, and linked small business relationships. Multiple products in a single Product Category will be considered one Product Category. In addition to having eligible Product Categories, you must also perform any two (2) or more of the following specified account
activities in the previous calendar month to or from your enrolled account: a monthly direct deposit, a monthly pre-authorized payment, or an eligible bill payment made at minimum once per month. An eligible bill payment means a bill payment completed through either RBC Online Banking, the RBC Mobile app, using an RBC ATM, or using Telephone Banking Services, and excludes any bill
payment made: (i) in-person at an RBC Royal Bank branch with an RBC Advisor, (ii) to an RBC credit card account, or (iii) using an RBC Virtual Visa Debit® associated with your Enrolled Account. Conditions apply. For complete details, please see the
Opens PDF in new windowValue Program Terms & Conditions.
legal disclaimer 17)
To participate in this offer, you must have an RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC business clients will only be able to link up to two (2) business credit cards and one business debit card to a Petro-Points card. You must be enrolled in RBC Online Banking or the RBC Mobile app in order to link
your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. A linked RBC Card means an RBC Card linked to a Petro-Points Account. Your linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your linked RBC Card
at Petro-Canada locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your linked RBC Card. Each time you use your linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.
Each time you use your linked RBC Card to pay for qualifying purchases at a Petro-Canada location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points terms and conditions available at www.petro-canada.ca/en/personal/terms-conditions. Petro-Points are not awarded on tobacco products, vaping products, gift cards, transit tickets and taxes on non-petroleum purchases.
legal disclaimer 18)
If you have an eligible banking account and two or more qualifying, eligible RBC® products in the same geographic location (region), you may receive a partial or full rebate on your Monthly Fee. Conditions apply. For more information on the MultiProduct Rebate® visit any RBC Royal Bank branch, call 1 800 769-25111 800 769-2511 or view the full Disclosures and Agreements Booklet.
legal disclaimer 19)
This offer only applies to new applications for an RBC ION + Visa credit card received between May 28, 2024 and November 4, 2024 (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”), subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC ION+ Visa credit card account, as well as existing cardholders on any RBC Royal Bank personal credit card transferring to an RBC ION+ Visa credit card during the Offer Period, are not eligible for this offer.
12,000 welcome Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your RBC ION+ Visa credit card account (“Credit Card Account”) remains open and in good standing at the time the Welcome points are credited to your account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.
If you close or change your RBC ION+ Visa credit card for another type of RBC Royal Bank credit card before the Welcome Points have been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com or call 1-800-769-2512
To get $80 worth of gift cards/certificates, you will need a total of 11,200 Avion points. Minimum redemption of 1,400 Avion points for most $10 gift cards/certificates. Some exceptions apply. Point redemption values may fluctuate. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, as well as for current point redemption values, please visit https://www.avionrewards.com/terms-and-conditions/index.html or call 1-800-769-2512.
12,000 welcome Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your RBC ION+ Visa credit card account (“Credit Card Account”) remains open and in good standing at the time the Welcome points are credited to your account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.
If you close or change your RBC ION+ Visa credit card for another type of RBC Royal Bank credit card before the Welcome Points have been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com or call 1-800-769-2512
To get $80 worth of gift cards/certificates, you will need a total of 11,200 Avion points. Minimum redemption of 1,400 Avion points for most $10 gift cards/certificates. Some exceptions apply. Point redemption values may fluctuate. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, as well as for current point redemption values, please visit https://www.avionrewards.com/terms-and-conditions/index.html or call 1-800-769-2512.
legal disclaimer 20)
The following RBC bank accounts are eligible for the Value Program: RBC Day to Day Banking, RBC Advantage Banking (includes RBC Advantage Banking for students), RBC Signature No Limit Banking, RBC VIP Banking, RBC No Limit Banking (discontinued), RBC Student Banking (discontinued), RBC No Limit Banking for Students (discontinued), RBC Day to Day Savings, RBC Enhanced Savings and RBC High Interest eSavings.
legal disclaimer 21)
Total of 90 days: For the purpose of this RBC New eSavings Client Bonus Interest Rate Offer and any related marketing, any reference to a period of 3 months means a period of 90 calendar days regardless of how many calendar days may fall within any given calendar 3-month period.
legal disclaimer® / ™
Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
legal disclaimer‡
All other trademarks are the property of their respective owner(s).
legal disclaimer#
Available to newcomers who are (i) permanent residents or international students who arrived in Canada within the last 12 months, or (ii) temporary resident workers who arrived in Canada within the last 48 months, provided you meet all of the eligibility and credit criteria of Royal Bank of Canada.
You must apply for the RBC Cash Back Mastercard by February 28, 2025, at an RBC Royal Bank branch, and be approved by us. You will earn an additional $10.00 back for every $100.00 (10% Cash Back Credit) in Net Purchases (including pre-authorized bill payments) charged on your RBC Cash Back Mastercard account within the first 3 months of account opening, up to a maximum total combined spend of $2,000 (“Welcome Bonus”). Thereafter, the standard Cash Back Credit earn rates of up to 2% on Grocery Store Purchases and up to 1% on other Net Purchases (that are not Grocery Store Purchases) apply. The Welcome Bonus is in addition to the standard Cash Back Credit earn rates. Cash Back Credits are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the cash back credits earned by the amounts originally charged. The Welcome Bonus will appear on your next monthly statement after it was earned, and will be credited as set out in disclosure 26 (below). For complete details on the RBC Cash Back Program including standard earn rates and crediting of Cash Back Rewards, please refer to the RBC Cash Back Program Terms and Conditions at www.rbc.com/cashbackterms. Offer applies to new RBC Cash Back Mastercard accounts only.
One offer per eligible account. Existing cardholders of any RBC personal credit card, applying for or transferring to an RBC Cash Back Mastercard card, are not eligible for this offer. This offer may not be combined or used in conjunction with any other offer except as otherwise set out. Royal Bank of Canada reserves the right to modify, cancel or withdraw this offer at any time. This offer may be revoked at any time if we suspect you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank of Canada in its sole discretion.
Legal Disclaimer1)
RBC Advantage Banking for students allows eligible full-time students to receive a full waiver of the standard Monthly Fee applicable to our RBC Advantage Banking account. Please refer to the section labelled Opens PDF in new windowRebates and Discounts: RBC Advantage Banking for students in the document entitled “Addendum to April 30, 2020 Personal Deposit Accounts Disclosures and Agreements”, which provides information specific to the RBC Advantage Banking account to supplement the information provided in the Personal Deposit Accounts Disclosures and Agreements document.
To be considered a full-time student, you must attend a primary or secondary school OR be enrolled in a program at the post-secondary level at a college, university or other educational institution (whether in Canada or not). If you are a post-secondary student, you must take at least 60% of the usual course load for the program in which you are enrolled in any particular semester. You must advise us of your student status at the time of account opening and must advise of any changes to your student status thereafter. Proof of enrollment may be requested at our discretion. Students who are 25 years of age and older must provide proof of enrollment.
legal disclaimer 2)
There is a limit of 999 free Interac e-Transfer Transactions per Month per Account; for every Interac e-Transfer Transaction over the limit, you will be charged $1.
legal disclaimer 3)
Debit transactions made using your Virtual Visa Debit Number do not count against any monthly transaction limits applicable to your personal deposit account. Other account fees may apply. Please see the RBC Royal Bank Disclosures and Agreements related to Personal Deposit Accounts booklet or other applicable account agreement for further details. You must request a Virtual Visa Debit
card.
Clients must be 14 years of age or older and have an active personal, Canadian dollar deposit account and an active RBC Royal Bank Client Card in order to receive a Virtual Visa Debit Number. RBC Virtual Visa Debit is not available to business clients.
legal disclaimer 4)
To be considered a full-time student, you must attend a primary or secondary school OR be enrolled in a program at the post-secondary level at a college, university or other educational institution (whether in Canada or not). If you are a post-secondary student, you must take at least 60% of the usual course load for the program in which you are enrolled in any particular semester.
Proof of enrollment may be requested at our discretion.
legal disclaimer 5)
The interest rate is an annual interest rate. It is a simple interest calculation. Interest is calculated daily on the closing credit balance and paid monthly. Interest rate is subject to change at any time without notice.
legal disclaimer 6)
Fees may apply on the account from which the money has been transferred.
legal disclaimer 7)
Interac e-Transfer Transactions expire 30 days after they are sent and cannot be claimed by the recipient after this time. You have 15 days after the Interac e-Transfer Transaction is sent to cancel without charge. A $5 Interac e-Transfer Transaction Reclaim Fee is charged when a recipient does not accept it before it expires and the sender does not cancel the
transaction before the 15-day cancellation period.
legal disclaimer 8)
The Bonus Interest Rate on November 5, 2025 of 3.95% within the RBC New eSavings Client Bonus Interest Rate Offer (“Offer”) is available to residents of Canada who are of the age of majority in the province or territory in which they reside as of the date the Eligible eSavings Account is opened and who were not the Primary Owner of an RBC High Interest eSavings Account at any time before the beginning of the Qualifying Period (as defined below), and who open a new RBC High Interest eSavings Account (“Eligible eSavings Account”) as the Primary Owner between November 5, 2024 and 3:00 PM EST on December 30, 2024 (the “Qualifying Period”). (Note: For added clarity, you will not qualify for this Offer by switching from another account type to an Eligible eSavings Account.) The Bonus Interest Rate on November 5, 2024 was 3.95% and is only applicable to deposits made in the Eligible eSavings Account for 3 months (90 days) from the date the Eligible eSavings Account was opened (the “Promotional Period”) and up to a maximum of $1,000,000 of the Eligible eSavings Account’s total balance. Any balances over $1,000,000 will be paid the Regular Interest Rate. “Promotional Interest Rate” is a combination of the Bonus Interest Rate plus the Regular Interest Rate. For example, if on November 5, 2024, the Regular Interest Rate was 1.15% per annum and the Bonus Interest Rate was 3.95% per annum, the Promotional Interest Rate would be 5.10% per annum. The Regular Interest Rate is subject to change without notice, and the most current rate is posted on our Personal Accounts Interest Rates webpage, which may be viewed at https://www.rbcroyalbank.com/rates/persacct.html. At the end of the Promotional Period, all balances will earn interest at the Regular Interest Rate only. Regular Interest Rate and Bonus Interest Rate are annualized rates, and (subject to certain exceptions) are calculated daily and paid monthly. Any Eligible eSavings Account that, prior to the payment of interest at the Bonus Interest Rate, is closed or switched to another product type which is not an RBC High Interest eSavings Account will forfeit any such interest calculated during the month in which the Eligible eSavings Account is closed or switched. Offer and interest rates are subject to change without notice. Offer may be withdrawn at any time. Conditions apply. For other defined terms and complete terms and conditions that apply to this Offer, please visit https://www.rbcroyalbank.com/investments/psi/november2024-hisa/terms.html.
legal disclaimer 9)
Eligible accounts include: RBC VIP Banking, RBC Signature No Limit Banking, RBC Advantage Banking, RBC Day to Day Banking account. You must close the account and apply for the refund or switch to another account within 4 months of account opening or upgrade. Offer limited to one account opening or upgrade per customer per calendar year. Offer may be withdrawn at any time without notice.
legal disclaimer 10)
Our guarantee to you: We will reimburse you for monetary losses to your Account(s) resulting directly from the following unauthorized transactions on your Account(s) using Digital Banking or Mobile Payments (collectively, Unauthorized Transactions):
- transactions that occur after you notify us that you believe that any of your Passwords may have become known by someone, or that you noticed unusual, suspicious or fraudulent activity on any of your Accounts;
- transactions where it can be shown that you have been a victim of fraud, theft or have been coerced by trickery, force or intimidation, so long as you report the incident to us immediately and cooperate and assist us fully in any investigation;
- transactions resulting from negligent conduct by us, our employees or Third-Party Service Providers;
- Interac Online Payment transactions resulting from negligent conduct by any Third Party participating in Interac Online Payment; and
- any failure, error, malfunction, or technical problem of our system or equipment or that of any Third-Party Service Provider or any Third Party participating in Interac Online Payment.
- you do not comply with any of your obligations under this Agreement or you do not comply with any instructions we may provide to you in connection with Digital Banking or Mobile Payments;
- you engage in any fraudulent, criminal or dishonest acts related to Digital Banking or Mobile Payments;
- you access Digital Banking or Mobile Payments via a Device that you know or reasonably should know contains software that has the ability to reveal or otherwise compromise any of your Passwords, Personal Verification Questions or an e-Transfer Question and Answer;
- you carry out the transaction, including if the transaction is a result of any mistake, error, omission, inaccuracy or other inadequacy of, or contained in any data or information that you give to us;
- you share any of your Passwords or Personal Verification Questions; or
- you consent to, contribute to or authorize a transaction in any way.
For full details regarding the protections and limitations of the RBC Digital Banking Security Guarantee, including your responsibilities in ensuring the safety and security of your transactions, please see your Electronic Access Agreement and your Opens PDF in new windowClient Card Agreement for personal banking clients, and the Opens PDF in new windowMaster Client Agreement for business clients. This guarantee is given by Royal Bank of Canada in connection with its Online and Mobile Banking services. Formerly known as the RBC Online Banking Security Guarantee.
legal disclaimer 11)
The following RBC bank accounts are eligible for the Value Program: RBC Day to Day Banking, RBC Advantage Banking (includes RBC Advantage Banking for students), RBC Signature No Limit Banking, RBC VIP Banking, RBC No Limit Banking (discontinued), RBC Student Banking (discontinued), RBC No Limit Banking for Students (discontinued), RBC Day to Day Savings, RBC Enhanced Savings and RBC
High Interest eSavings.
legal disclaimer 12)
An ATM operator surcharge (also called convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee. It is added directly to the amount of your cash withdrawal. All clients who use non-RBC ATMs may be charged a convenience fee regardless of the type of Account they hold.
When you use your Client Card to make a withdrawal in a currency other than Canadian dollars at an ATM outside Canada displaying the PLUS system symbol, we will convert the amounts withdrawn and any associated charges imposed by any third party for the use of the ATM to Canadian dollars when we deduct the funds from your Account. We will convert these amounts to Canadian dollars no later than the date we post the transaction to your Account at our exchange rate, which is 2.5% over a benchmark rate set by Visa International, a subsidiary of Visa Inc., and which Royal Bank of Canada pays on the date of conversion. This rate may be different from the rate in effect on the date your ATM withdrawal occurred or on the date of the transaction.
legal disclaimer 13)
When you enrol your eligible RBC personal bank account into the RBC Value Program, you will be eligible to earn Avion points within the Avion Rewards Program as an Eligible Personal Banking Client, and any such points earned will be deposited into the Avion Rewards account tied to your enrolled account. Purchases from your account refers to using your RBC Client Card to pay for items
at a merchant or service provider with the amount electronically debited directly from your enrolled account or using your RBC Virtual Visa Debit for purchases online. Avion points are governed by the Avion Rewards Terms and Conditions available on our website, or a copy may be provided to you by
contacting us. For complete details on the Value Program, please see the Opens PDF in new windowValue Program Terms & Conditions.
legal disclaimer 14)
RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.
Student Edition is intended for clients under the age of 22. RBC Online Banking is operated by Royal Bank of Canada.
legal disclaimer 15)
By enrolling an eligible RBC personal bank account into the RBC Value Program, holding eligible additional RBC products (“Product Categories”, as more particularly described below), and completing certain activities from your enrolled account each month (as more particularly described below), you may be entitled to receive a partial or full rebate of your enrolled account’s standard
Monthly Fee. Eligible Product Categories include RBC personal credit cards, personal investments, residential mortgages, and linked small business relationships. Multiple products in a single Product Category will be considered one Product Category. In addition to having eligible Product Categories, you must also perform any two (2) or more of the following specified account
activities in the previous calendar month to or from your enrolled account: a monthly direct deposit, a monthly pre-authorized payment, or an eligible bill payment made at minimum once per month. An eligible bill payment means a bill payment completed through either RBC Online Banking, the RBC Mobile app, using an RBC ATM, or using Telephone Banking Services, and excludes any bill
payment made: (i) in-person at an RBC Royal Bank branch with an RBC Advisor, (ii) to an RBC credit card account, or (iii) using an RBC Virtual Visa Debit® associated with your Enrolled Account. Conditions apply. For complete details, please see the
Opens PDF in new windowValue Program Terms & Conditions.
legal disclaimer 16)
To participate in this offer, you must have an RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC business clients will only be able to link up to two (2) business credit cards and one business debit card to a Petro-Points card. You must be enrolled in RBC Online Banking or the RBC Mobile app in order to link
your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. A linked RBC Card means an RBC Card linked to a Petro-Points Account. Your linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your linked RBC Card
at Petro-Canada locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your linked RBC Card. Each time you use your linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.
Each time you use your linked RBC Card to pay for qualifying purchases at a Petro-Canada location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points terms and conditions available at www.petro-canada.ca/en/personal/terms-conditions. Petro-Points are not awarded on tobacco products, vaping products, gift cards, transit tickets and taxes on non-petroleum purchases.
legal disclaimer 17)
The Offers program is available to clients with an RBC Royal Bank (i) debit card tied to a personal or business chequing account, and/or (ii) personal or business credit card, other than an RBC Commercial Visa or RBC US Dollar Visa card. Eligibility criteria for an Offer: (a) is determined by RBC, (b) may vary depending on the offer, and (c) may be based on the client’s preferences
and account status. Eligible clients will refer to the terms and conditions applicable to each specific Offer for more details.
legal disclaimer 18)
If you have an eligible banking account and two or more qualifying, eligible RBC® products in the same geographic location (region), you may receive a partial or full rebate on your Monthly Fee. Conditions apply. For more information on the MultiProduct Rebate® visit any RBC Royal Bank branch, call 1 800 769-25111 800 769-2511 or view the full Disclosures and Agreements Booklet.
legal disclaimer 19)
Total of 90 days: For the purpose of this RBC New eSavings Client Bonus Interest Rate Offer and any related marketing, any reference to a period of 3 months means a period of 90 calendar days regardless of how many calendar days may fall within any given calendar 3-month period.
legal disclaimer® / ™
Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
legal disclaimer‡
All other trademarks are the property of their respective owner(s).
Legal Disclaimer*
Your credit limit will be based on financially related information about you, including income and asset information. Offer available to RBC personal deposit accountholders who are (i) permanent residents who arrived in Canada within the last 12 months, or (ii) temporary resident workers who arrived in Canada within the last 48 months, applying for a new RBC Royal Bank personal credit card (excluding the RBC Rate Advantage Visa). Existing RBC Royal Bank personal credit card cardholders are not eligible. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time. Higher credit limits are subject to higher income and asset requirements.
Legal Disclaimer1)
Monthly fee will be waived for the first twelve months upon account opening of the RBC Advantage Banking account or RBC VIP Banking account. Thereafter the monthly fee will be charged: monthly fee of $11.95 for the RBC Advantage Banking account or monthly fee of $30.00 for the RBC VIP Banking account. For RBC VIP Banking account, $10,000 CAD must be deposited into the account within 20 days of account opening to qualify for the promotional offer, and offer expires February 28, 2025. Other account transaction fees may apply. Monthly fee waiver for the first twelve months may be replaced with any in-market offer that applies to the RBC Advantage Banking or RBC VIP Banking account. Available only to newcomers; please see the eligibility requirements in above note *. Offer may be withdrawn or amended at any time without notice. See complete Opens PDF in new windowterms and conditions that apply to this promotional offer.
legal disclaimer 2)
An ATM operator surcharge (also called convenience fee) may be charged by other ATM operators. The convenience fee is not a Royal Bank fee. It is added directly to the amount of your cash withdrawal. All clients who use non-RBC ATMs may be charged a convenience fee regardless of the type of Account they hold. When you use your Client Card to make a withdrawal in a currency other than
Canadian dollars at an ATM outside Canada displaying the PLUS system symbol, we will convert the amounts withdrawn and any associated charges imposed by any third party for the use of the ATM to Canadian dollars when we deduct the funds from your Account. We will convert these amounts to Canadian dollars no later than the date we post the transaction to your Account at our exchange
rate, which is 2.5% over a benchmark rate set by Visa International, a subsidiary of Visa Inc., and which Royal Bank of Canada pays on the date of conversion. This rate may be different from the rate in effect on the date your ATM withdrawal occurred or on the date of the transaction.
legal disclaimer 3)
There is a limit of 999 free Interac e-Transfer Transactions per Month per Account; for every Interac e-Transfer Transaction over the limit, you will be charged $1.
Interac e-Transfer Transactions expire 30 days after they are sent and cannot be claimed by the recipient after this time. You have 15 days after the Interac e-Transfer Transaction is sent to cancel without charge. A $5 Interac e-Transfer Transaction Reclaim Fee is charged when a recipient does not accept it before it expires and the sender does not cancel the transaction before the 15-day cancellation period.
legal disclaimer 4)
As a sole or joint owner of an RBC Signature No Limit Banking (SNL) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (depending on the credit card you choose), every year, as long as your eligible card remains in good standing and you remain an SNL account owner.
Additional cardholders (co-applicants and authorized users) do not qualify for the annual fee rebate, even if they are also owners of an SNL account. Only one credit card annual fee rebate per SNL account is allowed, which means that if you own a joint SNL account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the SNL account
will be entitled to the credit card annual fee rebate. Other conditions and restrictions apply. Rebates that apply to eligible credit cards are: 1) $48 rebate (annual fee fully rebated) for: RBC ION+ Visa and WestJet RBC Mastercard card, or 2) $35 rebate (annual fee partially rebated) for: RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC
Rewards Visa Preferred, RBC U.S. Dollar Visa Gold, RBC British Airways Visa Infinite, RBC Cathay Pacific Visa Platinum, RBC Cash Back Preferred World Elite Mastercard and WestJet RBC World Elite Mastercard. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.
legal disclaimer 5)
The standard Monthly Fee for the RBC Signature No Limit Banking account is $16.95; however, you may be eligible to receive a partial rebate on your account's standard Monthly Fee if you meet the criteria applicable to rebates or discounts we offer, as described herein, and in the document entitled
Opens PDF in new windowPersonal Deposit Accounts Disclosures and Agreements.
legal disclaimer 6)
By enrolling an eligible RBC personal bank account into the RBC Value Program, holding eligible additional RBC products (“Product Categories”, as more particularly described below), and completing certain activities from your enrolled account each month (as more particularly described below), you may be entitled to receive a partial or full rebate of your enrolled account’s standard
Monthly Fee. Eligible Product Categories include RBC personal credit cards, personal investments, residential mortgages, and linked small business relationships. Multiple products in a single Product Category will be considered one Product Category. In addition to having eligible Product Categories, you must also perform any two (2) or more of the following specified account
activities in the previous calendar month to or from your enrolled account: a monthly direct deposit, a monthly pre-authorized payment, or an eligible bill payment made at minimum once per month. An eligible bill payment means a bill payment completed through either RBC Online Banking, the RBC Mobile app, using an RBC ATM, or using Telephone Banking Services, and excludes any bill
payment made: (i) in-person at an RBC Royal Bank branch with an RBC Advisor, (ii) to an RBC credit card account, or (iii) using an RBC Virtual Visa Debit® associated with your Enrolled Account. Conditions apply. For complete details, please see the
Opens PDF in new windowValue Program Terms & Conditions.
legal disclaimer 7)
The standard Monthly Fee for the RBC Advantage Banking account is $11.95; however, you may be eligible to receive a full or partial rebate on your account's standard Monthly Fee if you meet the criteria applicable to rebates or discounts we offer, as described herein, and in the documents entitled
Opens PDF in new windowPersonal Deposit Accounts Disclosures and Agreements.
legal disclaimer 8)
Eligible accounts include: RBC VIP Banking, RBC Signature No Limit Banking, RBC Advantage Banking, RBC Day to Day Banking account. You must close the account and apply for the refund or switch to another account within 4 months of account opening or upgrade. Offer limited to one account opening or upgrade per customer per calendar year. Offer may be withdrawn at any time without
notice.
legal disclaimer 9)
Our guarantee to you: We will reimburse you for monetary losses to your Account(s) resulting directly from the following unauthorized transactions on your Account(s) using Digital Banking or Mobile Payments (collectively, Unauthorized Transactions):
- transactions that occur after you notify us that you believe that any of your Passwords may have become known by someone, or that you noticed unusual, suspicious or fraudulent activity on any of your Accounts;
- transactions where it can be shown that you have been a victim of fraud, theft or have been coerced by trickery, force or intimidation, so long as you report the incident to us immediately and cooperate and assist us fully in any investigation;
- transactions resulting from negligent conduct by us, our employees or Third-Party Service Providers;
- Interac Online Payment transactions resulting from negligent conduct by any Third Party participating in Interac Online Payment; and
- any failure, error, malfunction, or technical problem of our system or equipment or that of any Third-Party Service Provider or any Third Party participating in Interac Online Payment.
- you do not comply with any of your obligations under this Agreement or you do not comply with any instructions we may provide to you in connection with Digital Banking or Mobile Payments;
- you engage in any fraudulent, criminal or dishonest acts related to Digital Banking or Mobile Payments;
- you access Digital Banking or Mobile Payments via a Device that you know or reasonably should know contains software that has the ability to reveal or otherwise compromise any of your Passwords, Personal Verification Questions or an e-Transfer Question and Answer;
- you carry out the transaction, including if the transaction is a result of any mistake, error, omission, inaccuracy or other inadequacy of, or contained in any data or information that you give to us;
- you share any of your Passwords or Personal Verification Questions; or
- you consent to, contribute to or authorize a transaction in any way.
For full details regarding the protections and limitations of the RBC Digital Banking Security Guarantee, including your responsibilities in ensuring the safety and security of your transactions, please see your Electronic Access Agreement and your Opens PDF in new windowClient Card Agreement for personal banking clients, and the Opens PDF in new windowMaster Client Agreement for business clients. This guarantee is given by Royal Bank of Canada in connection with its Online and Mobile Banking services. Formerly known as the RBC Online Banking Security Guarantee.
legal disclaimer 11)
When you enrol your eligible RBC personal bank account into the RBC Value Program, you will be eligible to earn Avion points within the Avion Rewards Program as an Eligible Personal Banking Client, and any such points earned will be deposited into the Avion Rewards account tied to your enrolled account. Purchases from your account refers to using your RBC Client Card to pay for items
at a merchant or service provider with the amount electronically debited directly from your enrolled account or using your RBC Virtual Visa Debit for purchases online. Avion points are governed by the Avion Rewards Terms and Conditions available on our website, or a copy may be provided to you by
contacting us. For complete details on the Value Program, please see the Opens PDF in new windowValue Program Terms & Conditions.
legal disclaimer 12)
Conditions apply. Additional service fees by any intermediary and receiving bank may apply. Must be enrolled in RBC Online Banking or the RBC Mobile app and have either a Canadian RBC Royal Bank chequing or savings account. Some restrictions may apply. Cannot send funds from a US dollar account, the RBC High Interest eSavings account, or Foreign Currency Accounts.
legal disclaimer 13)
Available only to newcomers (please see the eligibility requirements in above note *). Annual fees will be waived for RBC Advantage Banking and RBC Signature No Limit Banking accounts (each an “Eligible Account”) for up to two-year rental (offer ends December 31, 2023) of a small safe deposit box (SDB), where such boxes are available. Standard safe deposit box fees are collected in
advance in January for each calendar year. If you open, switch or are converted to an Eligible Account, the standard fee applicable to your eligible safe deposit box will be waived in full or in part for the current year, depending on the time when the box is opened, and in full for the following year. RBC VIP Banking account holders receive one small box free as a standard feature
of that account type, so long as they maintain their RBC VIP Banking account in good standing; offer cannot be combined with any other safe deposit box offer. Offer is subject to change without notice.
legal disclaimer 14)
RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.
legal disclaimer 15)
To participate in this offer, you must have an RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC business clients will only be able to link up to two (2) business credit cards and one business debit card to a Petro-Points card. You must be enrolled in RBC Online Banking or the RBC Mobile app in order to link
your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. A linked RBC Card means an RBC Card linked to a Petro-Points Account. Your linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your linked RBC Card
at Petro-Canada locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your linked RBC Card. Each time you use your linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.
legal disclaimer 16)
The Offers program is available to clients with an RBC Royal Bank (i) debit card tied to a personal or business chequing account, and/or (ii) personal or business credit card, other than an RBC Commercial Visa or RBC US Dollar Visa card.
Eligibility criteria for an Offer: (a) is determined by RBC, (b) may vary depending on the offer, and (c) may be based on the client’s preferences and account status. Eligible clients will refer to the terms and conditions applicable to each specific Offer for more details.
legal disclaimer 17)
If you have an eligible banking account and two or more qualifying, eligible RBC® products in the same geographic location (region), you may receive a partial or full rebate on your Monthly Fee. Conditions apply. For more information on the MultiProduct Rebate® visit any RBC Royal Bank branch, call 1 800 769-25111 800 769-2511 or view the full Disclosures and Agreements Booklet.
legal disclaimer 18)
An RBC Royal Bank credit card with no credit history required is available to RBC personal deposit clients who are (i) permanent residents and international students who arrived in Canada within the last 12 months, or (ii) temporary resident workers who arrived in Canada within the last 48 months, provided you meet all of the eligibility and credit criteria of Royal Bank of Canada.
legal disclaimer 19)
Your credit limit will be based on financially related information about you, including income and asset information. Offer available to RBC personal deposit accountholders who are (i) permanent residents who arrived in Canada within the last 12 months, or (ii) temporary resident workers who arrived in Canada within the last 48 months, applying for a new RBC Royal Bank personal credit card (excluding the RBC Rate Advantage Visa). Existing RBC Royal Bank personal credit card cardholders are not eligible. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time. Higher credit limits are subject to higher income and asset requirements.
legal disclaimer 20)
The following RBC bank accounts are eligible for the Value Program: RBC Day to Day Banking, RBC Advantage Banking (includes RBC Advantage Banking for students), RBC Signature No Limit Banking, RBC VIP Banking, RBC No Limit Banking (discontinued), RBC Student Banking (discontinued), RBC No Limit Banking for Students (discontinued), RBC Day to Day Savings, RBC Enhanced Savings and RBC High Interest eSavings.
legal disclaimer® / ™
Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
legal disclaimer‡
All other trademarks are the property of their respective owner(s).
Legal Disclaimer1)
There is a limit of 999 free Interac e-Transfer Transactions per Month per Account; for every Interac e-Transfer Transaction over the limit, you will be charged $1.
legal disclaimer 2)
Interac e-Transfer Transactions expire 30 days after they are sent and cannot be claimed by the recipient after this time. You have 15 days after the Interac e-Transfer Transaction is sent to cancel without charge. A $5 Interac e-Transfer Transaction Reclaim Fee is charged when a recipient does not accept it before it expires and the sender does not cancel the
transaction before the 15-day cancellation period.
legal disclaimer 3)
RBC Virtual Visa Debits, Third-party payment Debits, RBC Royal Bank loan payments, RBC Royal Bank mortgage payments, pre-authorized and self-serve RBC Royal Bank credit card payments and contributions to RBC investment accounts (such as GICs, Royal Mutual Funds, Registered Savings Plans, Registered Education Savings Plans, Registered Disability Savings Plans and Tax-Free Savings
Accounts) from account, and Point of Sale Purchases made at public transit authority merchants classified by Interac’s “Merchant Category Code” (MCC) as “Local and Suburban Commuter Passenger Transportation, including ferries” are free of charge. All other Debit
Transactions, including those Point of Sale Purchases for which the merchant may offer public transit services but is not categorized under Interac’s “Local and Suburban Commuter Passenger Transportation, including ferries” MCC, are counted as Debit Transactions towards the
free monthly Debit Transactions included in the Account, and give rise to an Excess Debit Transaction Fee, if the total free monthly Debit Transactions are exceeded.
legal disclaimer 4)
As a sole or joint owner of an RBC Signature No Limit Banking (SNL) account and the primary cardholder of one of the eligible credit cards listed below, the annual fee of that eligible credit card will be fully or partially rebated (depending on the credit card you choose), every year, as long as your eligible card remains in good standing and you remain an SNL account owner.
Additional cardholders (co-applicants and authorized users) do not qualify for the annual fee rebate, even if they are also owners of an SNL account. Only one credit card annual fee rebate per SNL account is allowed, which means that if you own a joint SNL account and each co-owner is also the primary cardholder of an eligible credit card, only the primary owner of the SNL account
will be entitled to the credit card annual fee rebate. Other conditions and restrictions apply. Rebates that apply to eligible credit cards are: 1) $48 rebate (annual fee fully rebated) for: RBC ION+ Visa and WestJet RBC Mastercard card, or 2) $35 rebate (annual fee partially rebated) for: RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC
Rewards Visa Preferred, RBC U.S. Dollar Visa Gold, RBC British Airways Visa Infinite, RBC Cathay Pacific Visa Platinum, RBC Cash Back Preferred World Elite Mastercard and WestJet RBC World Elite Mastercard. Royal Bank of Canada reserves the right to withdraw this offer at any time, even after acceptance by you.
legal disclaimer 5)
The standard Monthly Fee for the RBC Signature No Limit Banking account is $16.95; however, you may be eligible to receive a partial rebate on your account's standard Monthly Fee if you meet the criteria applicable to rebates or discounts we offer, as described herein, and in the document entitled
Opens PDF in new windowPersonal Deposit Accounts Disclosures and Agreements.
legal disclaimer 6)
The interest rate is an annual interest rate. It is a simple interest calculation. Interest is calculated daily on the closing credit balance and paid monthly. Interest rate is subject to change at any time without notice.
legal disclaimer 7)
Fees may apply on the account from which the money has been transferred.
legal disclaimer 8)
You can send up to 25 requests at a time up to $10,000 each to anyone banking in Canada with Request Money in the RBC Mobile app. Limits for fulfilling Request Money transactions vary by financial institution and recipient. Contact your recipient to ensure your request can be fulfilled. Any unfulfilled money request will expire after 30 calendar days.
legal disclaimer 9)
The Bonus Interest Rate on November 5, 2025 of 3.95% within the RBC New eSavings Client Bonus Interest Rate Offer (“Offer”) is available to residents of Canada who are of the age of majority in the province or territory in which they reside as of the date the Eligible eSavings Account is opened and who were not the Primary Owner of an RBC High Interest eSavings Account at any time before the beginning of the Qualifying Period (as defined below), and who open a new RBC High Interest eSavings Account (“Eligible eSavings Account”) as the Primary Owner between November 5, 2024 and 3:00 PM EST on December 30, 2024 (the “Qualifying Period”). (Note: For added clarity, you will not qualify for this Offer by switching from another account type to an Eligible eSavings Account.) The Bonus Interest Rate on November 5, 2024 was 3.95% and is only applicable to deposits made in the Eligible eSavings Account for 3 months (90 days) from the date the Eligible eSavings Account was opened (the “Promotional Period”) and up to a maximum of $1,000,000 of the Eligible eSavings Account’s total balance. Any balances over $1,000,000 will be paid the Regular Interest Rate. “Promotional Interest Rate” is a combination of the Bonus Interest Rate plus the Regular Interest Rate. For example, if on November 5, 2024, the Regular Interest Rate was 1.15% per annum and the Bonus Interest Rate was 3.95% per annum, the Promotional Interest Rate would be 5.10% per annum. The Regular Interest Rate is subject to change without notice, and the most current rate is posted on our Personal Accounts Interest Rates webpage, which may be viewed at https://www.rbcroyalbank.com/rates/persacct.html. At the end of the Promotional Period, all balances will earn interest at the Regular Interest Rate only. Regular Interest Rate and Bonus Interest Rate are annualized rates, and (subject to certain exceptions) are calculated daily and paid monthly. Any Eligible eSavings Account that, prior to the payment of interest at the Bonus Interest Rate, is closed or switched to another product type which is not an RBC High Interest eSavings Account will forfeit any such interest calculated during the month in which the Eligible eSavings Account is closed or switched. Offer and interest rates are subject to change without notice. Offer may be withdrawn at any time. Conditions apply. For other defined terms and complete terms and conditions that apply to this Offer, please visit https://www.rbcroyalbank.com/investments/psi/november2024-hisa/terms.html.
legal disclaimer 10)
By enrolling an eligible RBC personal bank account into the RBC Value Program, holding eligible additional RBC products (“Product Categories”, as more particularly described below), and completing certain activities from your enrolled account each month (as more particularly described below), you may be entitled to receive a partial or full rebate of your enrolled account’s standard
Monthly Fee. Eligible Product Categories include RBC personal credit cards, personal investments, residential mortgages, and linked small business relationships. Multiple products in a single Product Category will be considered one Product Category. In addition to having eligible Product Categories, you must also perform any two (2) or more of the following specified account
activities in the previous calendar month to or from your enrolled account: a monthly direct deposit, a monthly pre-authorized payment, or an eligible bill payment made at minimum once per month. An eligible bill payment means a bill payment completed through either RBC Online Banking, the RBC Mobile app, using an RBC ATM, or using Telephone Banking Services, and excludes any bill
payment made: (i) in-person at an RBC Royal Bank branch with an RBC Advisor, (ii) to an RBC credit card account, or (iii) using an RBC Virtual Visa Debit® associated with your Enrolled Account. Conditions apply. For complete details, please see the
Opens PDF in new windowValue Program Terms & Conditions.
legal disclaimer 11)
Eligible accounts include: RBC VIP Banking, RBC Signature No Limit Banking, RBC Advantage Banking, RBC Day to Day Banking account. You must close the account and apply for the refund or switch to another account within 4 months of account opening or upgrade. Offer limited to one account opening or upgrade per customer per calendar year. Offer may be withdrawn at any time without
notice.
legal disclaimer 12)
Our guarantee to you: We will reimburse you for monetary losses to your Account(s) resulting directly from the following unauthorized transactions on your Account(s) using Digital Banking or Mobile Payments (collectively, Unauthorized Transactions):
- transactions that occur after you notify us that you believe that any of your Passwords may have become known by someone, or that you noticed unusual, suspicious or fraudulent activity on any of your Accounts;
- transactions where it can be shown that you have been a victim of fraud, theft or have been coerced by trickery, force or intimidation, so long as you report the incident to us immediately and cooperate and assist us fully in any investigation;
- transactions resulting from negligent conduct by us, our employees or Third-Party Service Providers;
- Interac Online Payment transactions resulting from negligent conduct by any Third Party participating in Interac Online Payment; and
- any failure, error, malfunction, or technical problem of our system or equipment or that of any Third-Party Service Provider or any Third Party participating in Interac Online Payment.
- you do not comply with any of your obligations under this Agreement or you do not comply with any instructions we may provide to you in connection with Digital Banking or Mobile Payments;
- you engage in any fraudulent, criminal or dishonest acts related to Digital Banking or Mobile Payments;
- you access Digital Banking or Mobile Payments via a Device that you know or reasonably should know contains software that has the ability to reveal or otherwise compromise any of your Passwords, Personal Verification Questions or an e-Transfer Question and Answer;
- you carry out the transaction, including if the transaction is a result of any mistake, error, omission, inaccuracy or other inadequacy of, or contained in any data or information that you give to us;
- you share any of your Passwords or Personal Verification Questions; or
- you consent to, contribute to or authorize a transaction in any way.
For full details regarding the protections and limitations of the RBC Digital Banking Security Guarantee, including your responsibilities in ensuring the safety and security of your transactions, please see your Electronic Access Agreement and your Opens PDF in new windowClient Card Agreement for personal banking clients, and the Opens PDF in new windowMaster Client Agreement for business clients. This guarantee is given by Royal Bank of Canada in connection with its Online and Mobile Banking services. Formerly known as the RBC Online Banking Security Guarantee.
legal disclaimer 13)
The following RBC bank accounts are eligible for the Value Program: RBC Day to Day Banking, RBC Advantage Banking (includes RBC Advantage Banking for students), RBC Signature No Limit Banking, RBC VIP Banking, RBC No Limit Banking (discontinued), RBC Student Banking (discontinued), RBC No Limit Banking for Students (discontinued), RBC Day to Day Savings, RBC Enhanced Savings and RBC
High Interest eSavings.
legal disclaimer 14)
When you enrol your eligible RBC personal bank account into the RBC Value Program, you will be eligible to earn Avion points within the Avion Rewards Program as an Eligible Personal Banking Client, and any such points earned will be deposited into the Avion Rewards account tied to your enrolled account. Purchases from your account refers to using your RBC Client Card to pay for items
at a merchant or service provider with the amount electronically debited directly from your enrolled account or using your RBC Virtual Visa Debit for purchases online. Avion points are governed by the Avion Rewards Terms and Conditions available on our website, or a copy may be provided to you by
contacting us. For complete details on the Value Program, please see the Opens PDF in new windowValue Program Terms & Conditions.
legal disclaimer 15)
To participate in this offer, you must have an RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC business clients will only be able to link up to two (2) business credit cards and one business debit card to a Petro-Points card. You must be enrolled in RBC Online Banking or the RBC Mobile app in order to link
your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. A linked RBC Card means an RBC Card linked to a Petro-Points Account. Your linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your linked RBC Card
at Petro-Canada locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your linked RBC Card. Each time you use your linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.
Each time you use your linked RBC Card to pay for qualifying purchases at a Petro-Canada location, you will earn a bonus of twenty percent (20%) more Petro-Points than you normally earn, in accordance with the Petro-Points terms and conditions available at www.petro-canada.ca/en/personal/terms-conditions. Petro-Points are not awarded on tobacco products, vaping products, gift cards, transit tickets and taxes on non-petroleum purchases.
legal disclaimer 16)
The Offers program is available to clients with an RBC Royal Bank (i) debit card tied to a personal or business chequing account, and/or (ii) personal or business credit card, other than an RBC Commercial Visa or RBC US Dollar Visa card.
Eligibility criteria for an Offer: (a) is determined by RBC, (b) may vary depending on the offer, and (c) may be based on the client’s preferences and account status. Eligible clients will refer to the terms and conditions applicable to each specific Offer for more details.
legal disclaimer 17)
RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.
legal disclaimer 18)
The NOMI Find & Save Service will transfer funds from your designated source account to your NOMI Find & Save Account. The source account must be an eligible Royal Bank of Canada Canadian personal chequing account.
legal disclaimer 19)
If you have an eligible banking account and two or more qualifying, eligible RBC® products in the same geographic location (region), you may receive a partial or full rebate on your Monthly Fee. Conditions apply. For more information on the MultiProduct Rebate® visit any RBC Royal Bank branch, call 1 800 769-25111 800 769-2511 or view the full Disclosures and Agreements Booklet.
legal disclaimer 20)
Total of 90 days: For the purpose of this RBC New eSavings Client Bonus Interest Rate Offer and any related marketing, any reference to a period of 3 months means a period of 90 calendar days regardless of how many calendar days may fall within any given calendar 3-month period.
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